>>final time I checked my score grew to become right into a 620. I even have sufficient to place 0.5 the acquisition cost for down charge on a house is it accessible to get a private loan for the different 0.5 i do no longer care what the pastime fee may well be by way of fact I make sufficient money to pay above what the month-to-month charge may well be to pay the non-public loan off quicker and that i only want the non-public loan for 15 yrs.<< ok..first issues first. in case you have a 50% down charge, and your debt to earnings ratio is low sufficient, you could probable get authorized for a loan. Now...directly to the the remainder of your question: >>My credit has fee offs and write offs by way of a lay off 8 yrs in the past which brought about me to lose each little thing<< Are you particular it grew to become into 8 years in the past? if so, then none of it would be on your credit report. destructive products are only meant to stay on your credit report for 7 years as quickly as they are charged off (that's sometimes a hundred and eighty days as quickly as they circulate antisocial). So, maximum of it would be off of your report..if no longer, it would be falling off of your report in the subsequent 6 months or so. >>I consulted with an lawyer approximately filling financial disaster which i grew to become into no longer able to do by way of fact I had to lots in liquid assests and he informed me to no longer report,and not attempt and pay off the debt (a million) by way of fact i might circulate broke attempting and that's stupid<< i'm inquisitive approximately this section. you may circulate broke attempting to pay off your debt, yet you have been in a position to save up a 50% down charge on a house, and you're making sufficient to pay it off in decrease than 15 years? some thing approximately that would not upload up. >>and (2) by way of fact they have already been written off meaning they have filed it as a loss on taxes so it would be double dipping<< That lawyer is the two an fool, he would not understand business enterprise, or he's mendacity to you. in case you owe them $a million,000, and that they fee it off, they get to deduct that $a million,000 from their income. So, they do no longer pay tax on that $a million,000. So, they save around $2 hundred-$3 hundred. in case you pay returned the $a million,000 as quickly as they write it off, they are required to report that, and upload it returned into their income, and pay the tax on it. So, paying them returned does no longer mean they are double dipping. It only capacity that they are getting the money which you promised to pay them.